🌅 Complete Retirement Planning Hub

Plan Your Retirement with Confidence

From calculating your EPF and NPS corpus to finding your FIRE number — every retirement calculator you need, in the right order.

Step 1: Know Your Corpus Target
Step 2: Calculate Current Savings
Step 3: Fill the Gap with SIP/NPS/PPF
🌅 Retirement Calculators
Start with the Retirement Planner, then fill in each savings stream
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Retirement Corpus Planner
Find out exactly how much you need to retire comfortably — adjusted for inflation and life expectancy.
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EPF Calculator
Project your Employee Provident Fund corpus at retirement based on current salary and growth.
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NPS Calculator
National Pension System — market-linked retirement savings with an extra ₹50K tax deduction.
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PPF Calculator
Public Provident Fund — guaranteed 7.1%, completely tax-free. Best safe retirement savings option.
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FIRE Calculator
Financial Independence, Retire Early — find your target corpus and the monthly SIP to reach it.
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APY Calculator
Atal Pension Yojana — guaranteed monthly pension for life from just ₹100–1,000/month.
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SCSS Calculator
Senior Citizen Savings Scheme — 8.2% quarterly income, government-backed, up to ₹30L.
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SWP Calculator
Systematic Withdrawal Plan — create steady monthly income from your mutual fund corpus.
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Inflation Calculator
Find out what your retirement expenses will actually cost in future rupees at 6% inflation.
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How Much Do You Need to Retire Comfortably in India?

Most Indians underestimate their retirement corpus requirement — sometimes by 2–3 times. This guide shows you how to calculate a realistic target and the practical steps to reach it.

Step 1: Estimate Retirement Expenses (in future rupees)

Start with your current monthly expenses. Then inflate them to retirement age. At 6% annual inflation, ₹50,000/month today becomes ₹2,14,000/month in 25 years. This is the number your corpus must support — not ₹50,000.

Step 2: Calculate the Corpus Required

Use the 25× rule: Multiply your annual retirement expenses (in future rupees) by 25. A 4% annual withdrawal rate from this corpus sustains it for 25+ years. At ₹2,14,000/month × 12 × 25 = ₹6.42 crore corpus required. This sounds large — but starts looking achievable when broken down into monthly SIP targets spread across EPF, NPS, and SIP over 25 years.

Step 3: Know Your Three Retirement Income Streams

StreamTypeAmount at 60 (₹30K basic, 30 yrs)
EPF CorpusLump sum (tax-free)~₹1.8 crore
NPS (₹5K/month, 11% return)60% lump sum + 40% annuity~₹1.76 crore
SIP (₹10K/month, 12% return)Lump sum + SWP~₹3.52 crore
Total Combined—~₹7 crore
Key insight: EPF + NPS + a disciplined SIP of ₹10K/month from age 30 can build a corpus that exceeds ₹6–7 crore by age 60. The challenge is not the math — it's starting early and staying consistent through market cycles.

The Inflation Trap Most Retirees Fall Into

Retirees who park all savings in FDs post-retirement often face a real problem after 10–12 years: inflation erodes purchasing power faster than FD interest replenishes it. A balanced post-retirement allocation (60% debt for stability + 40% equity for inflation protection through an SWP structure) typically sustains a corpus significantly longer than an all-FD approach.

How much should I save monthly to retire at 55?
Starting at 30: to retire at 55 with a ₹3 crore corpus at 12% return, you need approximately ₹24,000/month in SIP. Every 5 years you delay roughly doubles the required monthly amount. The earlier you start, the more compounding works in your favour.
Is EPF alone enough for retirement?
Rarely. EPF at ₹4,800/month for 30 years at 8.25% builds ~₹73 lakh — meaningful but typically insufficient for a comfortable retirement at today's expenses, let alone inflated future expenses. Use EPF as the base, then top up with NPS, PPF, and equity SIPs.
Should I choose NPS over PPF?
They serve different purposes. PPF gives guaranteed 7.1% tax-free returns — ideal for the risk-free portion of your retirement corpus. NPS gives market-linked 10–12% potential returns but with partial taxation at maturity and compulsory annuity. For most people, PPF + NPS together is better than either alone.
What is a safe withdrawal rate in India?
The widely cited 4% rule (from US research) may be slightly aggressive for India given higher inflation. A 3–3.5% withdrawal rate from a balanced corpus is more conservative and sustainable for a 25–30 year retirement in India. Use the SWP Calculator to model different scenarios.

Sources: EPFO · PFRDA · Ministry of Finance · Last Updated July 2026 · Not financial advice